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Paytm Payments Bank lost its banking licence

4th busiestof 12 comparable periods· top 33%

239 RBI action records published between 1 January 2026 and 2 September 2026: 185 fresh actions, 50 extensions of existing orders, 4 restrictions lifted and 156 monetary-penalty actions with an amount stated, totalling ₹11.20 crore. That is 239 records against 296 over the same 245 days of 2025, and ₹11.20 crore of disclosed penalty value against ₹31.04 crore.

This live report currently covers 245 of 365 days and will update as new RBI releases are added.

Action records
239

296 in 2025

Disclosed penalties
₹11.2 cr

₹31.04 cr in 2025

Severe actions · S4–S5
85

93 · 31.4% previously

Orders in force
30

4 expiring in the next window

When Action Arrived

Published action records across the covered window, split into RegOversight severity bands. Empty intervals remain visible.

RBI action records by publication interval and severity band
IntervalTotalS0–S1 · lifted / lowS2–S3 · moderate / highS4–S5 · major / severe
Jan249312
Feb281396
Mar2711610
Apr285419
May261196
Jun3511168
Jul44101816
Aug277128
Sept0000

What Stood Out

Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.

01

Banks account for most of the disclosed penalty decline

Disclosed penalties fell from ₹31.04 crore to ₹11.20 crore. Bank penalties fell from ₹23.05 crore across 37 actions to ₹6.67 crore across 15, accounting for 82.5% of the decline.

02

Severe actions formed a larger share of the action mix

Severe actions rose to 35.6% of the mix from 31.4%, even as their count moved from 93 to 85. The period included 18 cancellations, compared with 19 previously.

03

The penalty distribution had a smaller top end

The largest disclosed penalty was ₹95.4 lakh, down from ₹3.32 crore, while the 90th percentile was ₹15.0 lakh versus ₹40.0 lakh. The median was ₹2.1 lakh, compared with ₹2.0 lakh.

04

A small number of large orders drove much of the declared reach

The 239 action records declared 899 entities. The three largest orders declared 192, 150 and 135 entities, with the largest orders declared reaching 477.

What RBI Did and Where It Landed

Amber bars show the current mix. The fine marker shows the comparable earlier period, so a change is visible rather than merely asserted.

Action mix

Primary recorded action category.

  1. Monetary penalty156 · 65.3%

    Previous 210 · 70.9%

  2. Business restriction61 · 25.5%

    Previous 53 · 17.9%

  3. Licence cancellation18 · 7.5%

    Previous 19 · 6.4%

  4. Action lifted4 · 1.7%

    Previous 12 · 4.1%

Lifecycle

Fresh actions, extensions and withdrawals.

  1. Fresh action185 · 77.4%

    Previous 239 · 80.7%

  2. Extension50 · 20.9%

    Previous 45 · 15.2%

  3. Lifted / withdrawn4 · 1.7%

    Previous 12 · 4.1%

Entity types

Action records by regulated-entity class, not entities affected.

  1. Co-operative bank161 · 67.4%

    Previous 205 · 69.3%

  2. NBFC54 · 22.6%

    Previous 51 · 17.2%

  3. Bank17 · 7.1%

    Previous 38 · 12.8%

  4. Payment entity7 · 2.9%

    Previous 1 · 0.3%

Why RBI acted

Overlapping themes; one action may carry several reasons.

  1. Reporting & disclosure110 · 46%

    Previous 149 · 50.3%

  2. Governance & oversight63 · 26.4%

    Previous 72 · 24.3%

  3. KYC / AML58 · 24.3%

    Previous 64 · 21.6%

  4. Lending norms48 · 20.1%

    Previous 88 · 29.7%

  5. Capital & exposure norms47 · 19.7%

    Previous 60 · 20.3%

  6. Customer protection42 · 17.6%

    Previous 62 · 20.9%

Defining Actions

Up to four non-duplicative actions selected for monetary impact, breadth, severity or relief. Quiet periods may show fewer.

  1. RBI imposes monetary penalty on Union Bank of India

    Largest disclosed penaltyS4 High
    27 Mar 2026₹95.4 lakhmonetary penalty

    Union Bank of India

    RBI imposed a monetary penalty on Union Bank of India for non-compliance with RBI directions on limiting customer liability in unauthorised electronic banking transactions and on automation of income recognition, asset classification and provisioning processes.

    Read case briefRBI source

  3. Winding up of Paytm Payments Bank Limited

    Institutional exitS5 Severe
    28 Jul 2026licence cancellation

    Paytm Payments Bank Limited

    RBI cancelled the banking licence of Paytm Payments Bank Limited under Section 22(4) of the Banking Regulation Act, 1949. The release also notes the High Court ordered winding up and appointment of a liquidator.

    Read case briefRBI source

What It Cost

156 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.

Median
₹2.1 L

Previous ₹2 L

Largest
₹95.4 L

Previous ₹3.32 cr

Top five
₹3.45 cr

Previous ₹9.3 cr

95th percentile
₹41.8 L

Previous ₹68.2 L

Change by entity type

Arithmetic attribution of the change in disclosed value. Contributions may exceed 100% or run in the opposite direction.

Entity typeCurrentPreviousContribution
Bank₹6.67 cr₹23.05 cr82.5%
NBFC₹1.38 cr₹3.28 cr9.6%
Co-operative bank₹2.7 cr₹4.4 cr8.6%
Payment entity₹44.6 L₹29.6 L-0.8%
Credit bureau₹0₹2 L0.1%

Entity Coverage

Declared
899
Names extracted
909
Canonical links
913
First seen
542

Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.

Some source records declare entities but contain no extracted names.

Orders Still in Force

Orders
30
Entities
30
Expiring next
4
Duplicate entity rows
0

Next expiry window: 1 Jan 2027–31 Dec 2027.